Tag: Care

Certification Agency #certification #agency, #professional #clinical #nutritionist #training, #health #care #examination, #certification, #ccn #examination,

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WE ARE A POST GRADUATE
ONLINE PROGRAM

The Clinical Nutrition Certification Board (CNCB) is a 501(c)(3) non-profit tax-exempt certification agency which provides professional training, examination and certification for health care practitioners.

The discipline of Human Clinical Nutrition applies principles derived from current biochemical and physiological scientific knowledge for the purpose of promoting optimal health while recognizing biochemical individuality. The Certified Clinical Nutritionist assesses a person s nutritional needs to achieve normal physiological function. Assessment includes the use of appropriate test and observations such as case history, anthropomorphic measurements, physical signs, laboratory tests, and nutrition/lifestyle analysis to determine an educational nutrition program. Assessment also provides the basis for referral to a licensed physician, or other health care professional.

The educational protocol may include, among other information, nutrition / lifestyle modification, nutritive supplementation, understanding of physiological/biochemical pathways, and evoking of regenerative processes.

The Purpose of Certification

The Certified Clinical Nutritionist (CCN) Examination establishes reputable standards of excellence.

Creation of a quality examination, based on a validated scope of practice which appropriately represents the field of clinical nutrition.

Candidate access to the broad scope of clinical nutrition training and a mechanism for recertification every five years, recognizing continued competency in the field.

The CCN Examination Candidate must:

  1. Satisfy the CORE Requirements
  2. Submit Credential Review Application and College Transcripts
  3. Obtain Credential Review Approval
  4. Complete the Post Graduate Studies in Clinical Nutrition Program (PGSCN)™
  5. Achieve a passing score on the online CCN Examination

The CCN Examination processes and the examination data bank are reviewed and revised annually, in accordance with the specifications of the Role Delineation Study. The CNCB utilizes a criterion referenced passing point for each section of the certification examination.


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Allegro Escrow Services #note #servicing, #seller #finance #servicing, #loan #servicing, #long #term #escrow, #real

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Note Servicing Made Simple

Allegro Escrow, A Division of Evergreen Note Servicing, was established in October, 1980 and is a loan servicing company focused on the needs of the private investor, portfolio holder and sub-servicer of seller-financed real estate payments, long term escrows, private notes, mortgages or rentals nationwide. Our state-of-the-art servicing software and unsurpassed industry experience make us unique in the industry. We strive to make servicing simple whether you call it note servicing, long term escrow, private loan servicing, real estate contract servicing, cashflow servicing, specialized loan servicing, land contract servicing or seller-financed loan servicing, it all comes down to the same thing. We take care of all the details for you, providing a complete account servicing solution.
Whether you are a real estate agent, private investor, note broker, attorney, accountant, or escrow/title company, we offer complete servicing to meet your all your needs. Evergreen Note Servicing is committed to offering our clients the most comprehensive suite of services available in the note servicing industry while complying with the complex industry regulations.
Signing up for an account with Allegro Escrow is easy, safe and secure. Let Allegro take care of all the details!

Allegro Escrow is an active participant in these associations:


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Santa Maria Care Center – Santa Maria, California, santa maria care center.#Santa #maria #care

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Welcome

Santa Maria Care Center has been in the neighborhood providing family orientated essential nursing and clinical services to the Santa Maria area since 1961.

Santa Maria Care Center provides a multi-disciplinary therapy and nursing approach, allowing patients access to a range of suitable programs including physical therapy, occupational therapy, speech language pathology, and wound care.

Santa Maria Care Center cares about its patients and residents. If you come here for short term rehab and discover you like the attention and care you receive, you are welcome to stay with us and call us home! This is a good question to ask other providers!

Santa maria care centerSanta maria care center

Santa Maria Care Center / 820 West Cook St. / Santa Maria, CA 93458 / Phone: 805-925-8877

We are a bunch of caring souls who have found a livelihood that fits! Give Walter a call, he is also our Administrator. Around the corner is Carol, RN . As Director of Nursing, she is where the really tough questions get answered. Across the Activity Room is where Denny and Sam and Denny’s dogs reside! As Social Service Coordinator extraordinaire, Denny helps you get adjusted to your time with us. She also helps you transition and prepare for your trip home. She also helps you become a dog lover! Sam is our enthusiastic Activity Ringleader! With his sidekick Lindsay , he gets you involved to the best of your ability. He also makes sure you have the correct walker, wheel chair, your own glasses and a refill of coffee. Jane gives manicures, hand massages and lots of simple hand holding! Ashlea is Dietary Manager and with her team, she puts out a beautiful menu of yummy feel good comfort food specifically attuned to your dietary restrictions and/or nutritional needs. There are too many others to mention. If you come stay with us, you will get very acquainted with the Charge Nurses who give medications and keep in touch with your physician. Our Charge Nurses will give you a tour of our facility. Our CNAs are the real hands-on caregivers. You will know them by name and thank them as they love and care for your special one. Ram heads up maintenance and laundry to keep the lights on, your cloths washed and back to your closet, and the floors polished keeping the whole facility fresh and clean. We are family owned. Give us a chance to care for your family!

YP Intellectual Property LLC. All rights reserved. YP, the YP logo and all other YP marks contained herein are trademarks of YP Intellectual Property LLC and/or YP affiliated companies. All other marks contained herein are the property of their respective owners.

Santa maria care center


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ACCESS – Aboriginal Community Career Employment Services Society – Aboriginal Skills Training, Employment Training,

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ESAF – Career Planning

This program is for those who want to target a clear vision of their career direction development a training path to improve your current employment career prospects.
July 10-28 2017
BROCHURE

New Trades Programs
Welding Foundation
Piping Foundation
Metal Fabrication Foundation/Marine Fitter
For more information please visit our Trades Training page

The ACCESS Job Gateway is back online.
To search current and available job postings click on the Jobs tab at the top of the page.

Aboriginal Tupper Tech Student Graduates with Sheet Metal Skills and Great Job Prospects Click to read story

ACCESS is the place to start building your future today. We deliver a unique and diverse assortment of education, training, counselling, support and financial services designed to help members of the urban Aboriginal community overcome barriers that may stand in the way of success and self-sufficiency. We develop partnerships with organizations and companies that match their needs to the needs of our Aboriginal clients creating a win, win situation for both partners.

ACCESS is an Aboriginal Skills and Employment Training Strategy (ASETS) holder. We are the only urban ASETS in British Columbia serving urban Aboriginal clients throughout Metro Vancouver. Our mandate is to enhance human resource development and the sustainable capacity of the urban Aboriginal population in Metro Vancouver through the provision of employment and training services. ACCESS is responsible and accountable for the programming, delivery, and reporting of results to government and community stakeholders.

Our core values are Respect, Honour, Kindness and Sharing and we treat our clients according to those values.

We envision an urban Aboriginal Community empowered through culture, wellness, achievement, and self–sufficiency. ACCESS offers customized employment and training services designed specifically to provide urban Aboriginal people with the education and skills they require to compete equally and effectively in today’s job market.

Our programs are on-going through out the year. Clients need to register at our Employment Assistance office and meet with a counsellor to help determine eligibility and how we can best meet their needs.

Our programs are open to all aboriginal people all ages from youth to older workers. We look at your skills and interests and help create an action plan for building your future.

For convenience and ease of access for our clients, we have various locations throughout Metro Vancouver including Surrey, New Westminster, Downtown East Side, the Vancouver Friendship Centre and our Adminstration office and Trades office in West Vancouver.

ACCESS is funded by Service Canada and the Province of BC.

To Increase Aboriginal Participation in the Labour Market


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Skilled Nursing Center #elder #care, #nursing #home, #rehab #center, #rehab #facility, #skilled #nursing #facility,

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Saint Joseph Rehabilitation and Nursing Center Achieves Five-Star Quality Rating

Highest rating for health care excellence awarded by the Centers for Medicare and Medicaid Services.

Click here to play our latest ad on WROL radio!

Skilled Nursing, Rehabilitation Therapies and Hospice Care.

Saint Joseph Rehabilitation and Nursing Center is a Joint Commission Accredited, Medicare and Medicaid Certified, 123-bed healthcare facility that serves a diverse cultural population of families and patients in Dorchester, and throughout the surrounding communities of the greater Boston area.

Our residents enjoy many dynamic programs, as well as a variety of social, religious and cultural activities with all the comforts of home. Our compassionate, friendly and professional staff includes physicians, licensed nurses, physical, occupational and speech therapists as well as social workers and recreational activities personnel who are specially trained in geriatric and rehabilitative care. We at Saint Joseph do our best to provide our residents with all the latest amenities, including free wireless internet access throughout our facility. Ask our staff about access while you are staying or visiting with us.

The staff at Saint Joseph Rehabilitation and Nursing Center knows how important it is to you to find the right skilled nursing and rehabilitation facility. Here, you will find an environment where staff members function as an extension of your own family, while providing the best possible short or long-term care. At Saint Joseph you may rest assured that our family is caring for yours.

Healthcare Services We Offer:

Our continued commitment to excellence is evidenced through the many health care services we provide. We offer the best of care and comfort by employing highly qualified, professional staff. Our services include: short-term rehabilitation, long term care, post-surgical recovery care, wound care, respite care, pain management, and hospice care. We also offer physical and occupational therapy as well as speech pathology. Our interdisciplinary team approach is a coordinated effort involving nursing, rehabilitation services, nutritional counseling, social services and recreational activities for the well-being of all residents. Together, we make certain that each resident has a comprehensive care plan that is specifically designed for their individual needs.

We invite you to learn more about all the many programs, services and dedicated staff of Saint Joseph Rehabilitation and Nursing Center. Our admissions director is here to answer any questions you may have regarding skilled nursing services or therapy programs awaiting you at Saint Joseph. Call us today at (617) 825-6320 to schedule your personal visit. We look forward to meeting you soon!

Saint Joseph
Rehabilitation and
Nursing Center


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Homemade Face Mask Recipes for Radiant Skin #homemade #face #care


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Homemade Face Mask Recipes

I love to pamper my skin, and with great homemade face mask recipes. I can do that from the comfort of my own home! Finding the perfect homemade facial mask recipe for your skin type can seem daunting, so check out this collection of 10 amazing homemade face mask recipes you re sure to find the perfect mask recipe for your beauty routine!

Homemade Face Mask Recipes

1. Acne mask This simple homemade acne mask recipe includes only TWO ingredients. Your pores will be unclogged in no time!

2. Nutmeg, Honey, and Cinnamon Mask Recipe This soothing facial mask recipe is the perfect way to relax after a long day. Nutmeg and honey are natural anti-inflammatories, which can reduce swelling and redness in your skin. This homemade face mask recipe sounds lovely!

3. Heavenly Honey Citrus Mask Marie Clare offers this honey citrus face mask recipe. This luscious honey and orange based mask will give your skin a beautiful healthy glow. Sounds good enough to eat!

4. Avocado Egg White Face Mask Recipe Combine the oil-fighting powers of avocado with the pore-tightening properties in egg whites, and you get one powerful acne-fighting homemade facial mask! This avocado egg white face mask will do wonders for oily skin.

5. Nourishing Honey and Oatmeal Facial Mask Recipe If you have dry skin, you ll want to find a facial mask that can moisturize and nourish. This honey and oatmeal mask will not only add moisture to your skin, but it will soften and smooth even the most tired skin.

6. Turmeric Face Mask This easy DIY turmeric and honey face mask is fantastic for fighting acne and blemishes!

7. Brightening Daisy Mask Who ever would have guessed that daisies would be great for your skin? This video tutorial teaches you how to make your own daisy mask at home for brighter, youthful skin.

8. DIY Mud Mask Recipe Of course, the most common type of mask is a mud mask. I love the way a good mud mask makes my skin feel, and this DIY mud mask recipe looks really nice. This mud mask is particularly great for oily skin.

9. Strawberry Face Mask Recipe Actually, the strawberry facial mask recipe (which is super-simple) is only one of many in this fabulous round-up of homemade face mask recipes that offers a variety of easy mask recipes for different skin types. This is a great resource, you ll definitely want to bookmark it!

10. Coffee and Cocoa Face Mask Recipe Yum, how does a coffee and cocoa facial mask sound? When it comes to homemade face mask recipes, this one is perfect for waking up dull skin, and really, it just sounds too yummy not to try!

11. Lemon-Milk Alpha Hydroxy Mask Why spend money on expensive alpha hydroxy facial masks, when you can prepare your own homemade face mask recipe at home? This Lemon-Milk Alpha Hydroxy Mask will perk-up your sleepy skin, making it feel fresh and look bright. Both milk and lemon contain natural alpha hydroxy acids. This is such a great way to save money and kickstart your beauty routine!

Whether you have normal, oily, or dry skin, there is a mask for you. I m a sucker for at-home spa treatments, so I ll be trying several of these facial mask recipes this summer! Hope you enjoyed learning more about these 10 incredible homemade face mask recipes !

Suggested Products

This face mask brush is fantastic and will help you achieve a smooth application of your preferred facial mask.

I highly recommend picking up some bentonite clay. It s the main ingredient in the incredible diy acne mask above, and such a wonderful product to detoxify the skin!

More Beauty Articles on Dear Crissy

Images licensed through iStock Photo.


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Physio Dynamix #physio, #physiotherapy, #physio #therapist, #physiodynamix, #physio #dynamics, #physioworx, #postnatal, #postnatal #care, #corporate

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Samantha graduated from UCT with a BSc Physiotherapy in 1992 and has been in private practice since 1994 initially at Constantiaberg Medi Clinic in Cape Town. She then spent a year in private practice in Johannesburg where she completed the OMT1 course. Sam returned to Cape Town and Constantiaberg Medi-Clinic in 1996. This practice grew and developed into Constantia Sports Medicine Centre and was a predominantly orthopaedic and sports injury based practice incorporating a Sports Physician and Biokinetics Practice.
In 2004 Sam moved to Johannesburg and joined Physios in Touch in Rivonia where she was an associate until January 2013. Sam practices from the Cramerview rooms and has a special interest in orthopaedics, sport and women’s health
Sam is the Course Coordinator for the SPT1 Course in Johannesburg and is involved in post-grad lecturing for OMT1 and privately.
Sam is married to Stewart and has 2 beautiful daughters, Jozi Lynne and Mia Rose.

Bryan obtained his BSc Physiotherapy at Wits University in 1969. He married in 1970 and went to live in London where he worked at St Mary’s Paddington for 2 years. On his return to South Africa, he joined a large Physio Practice in Johannesburg. In 1985 he set up a solo practice and moved to Sandton Medpark. During those years he joined Civil Defence with Dr John Boden and helped organise the First Aid programme at St Stithians College. The Rugby Festival was held at St Stithians for 10 years and he was active with first aid and treatment of injuries.
He has also helped the Sandton Medi-clinic with their ante-natal programme.
He has been married for 43 years, has two sons. a daughter-in-law, a grandson and a granddaughter.
He joined Physiodynamix in March 2013.

Maria qualified with a BSc Physio from Stellenbosch University in 2002. After a year of community service in northern KZN, Maria moved to the greater Johannesburg area. Over the next 6 years she worked in Krugersdorp, Norwood and Randburg, before then joining a private practice in Rivonia as an associate for just over three years.
During this time Maria developed special interests in orthopaedics, spinal and sports injuries as well as pain management. Having completed her Orthopaedic Manipulative Therapy Course (OMT1 course) in 2007, she has subsequently assisted and lectured on OMT1 courses, and assisted on sports physiotherapy courses (SPT1). More recently Maria has completed a number of modules in the National Pain Management Course, and is a registered PGAP (Progressive Goal Attainment Program) provider.
Maria Botma is currently working in an out-patient setting at the Physiodynamix rooms in Bryanston.

Georgie qualified in 2008 with a BSc(Hon) Physiotherapy from Wits University. She spent a valuable year working at Baragwanath hospital in 2009 for her community service year. She moved to the private sector in 2010 and began working at Ian Hacker’s sports practice at Wanderers which involved working closely with the Wanderers Rugby team. She moved to Physios in Touch in 2011 and began working in Orthopaedics at Sandton Medi Clinic. She has worked in trauma and burns ICU at Milpark hospital as well.
She completed her OMPTG course in 2011 and is currently supervising on the 2013 course this year.
She still works in Orthopaedics at Sandton Medi clinic each morning and at the Physiodynamix Cramerview outpatient practice in the afternoon.
Her areas of interest include sports injuries, post-operative treatment and rehabilitation, back and neck pain, and pain management.
Georgie loves the outdoors and enjoys cycling and running in her spare time.

Premilla qualifyed in 1980 with a BSc Physio from UKZN. She then worked at King Edward VIII General Hospital as a Physiotherapist and assumed a Junior Lecturers position at UKZN in 1982, lecturing in Paediatrics, Post Natal care and Surgery.
She completed her NDT course at Stellenbosch University in 1984.
Premilla married in 1985 and relocated to Johannesburg where she took up a Senior Physiotherapist position at Leslie Williams mining hospital on the West Rand. Premilla worked in her own private practice from 1989 until 2009 at LenMed Clinic in the South of Johannesburg.
She is currently working at Life Fourways Hospital as a part time Physiotherapist with Physiodynamix with a principal focus on post natal/post-surgery care.

Keryn graduated from the University of the Witwatersrand in 2008 and worked in the Government clinics for a year of community service. This instilled a passion for community work and she now lectures for WITS in the Public Health section of the Physiotherapy Department.
In the last two years she has worked in a Sports practice in Fourways and an orthopaedics practice in Parkwood. Weekends were taken up with ICU work at the Netcare Olivedale hospital.
From 2011 Keryn works at the rooms in Rivonia and at Fourways Life Maternity unit. Mornings are taken up with Equine Physiotherapy and she works with notable race horse trainers as well as showjumpers and dressage horses. Keryn is also currently doing the OMT1 Course this year.
In her spare time she rides as a Senior Quadrille rider for the South African Lipizzaner team which performs on Sundays at the Centre in Kyalami. She is also a director of a tutoring and extra lesson company which she runs with her brother and mum.

Merinda qualified in 2002 from the University of Pretoria as a Physiotherapist. She practiced in Cape Town at Wynberg Military Hospital until 2006, worked at Stellenbosch University in 2007 and has been working in private practice in Rivonia, Johannesburg since September 2007.
Merinda is currently doing her Masters in Physiotherapy through WITS University. Her interests are post-natal care and education, the treatment of children with developmental delays and the treatment of neck and back pain.

Fiona studied at Stellenbosch University, graduating in 2009 with a BSc Physio. While at University she was involved with the Cape Argus for 3 years, Maties and Durbanville Rugby clubs and the Cape Epic.

Fiona did her Community Service year in Vereeniging’s District hospital, managing the running of the Physiotherapy Department and working within the multi-disciplinary team.

In 2011, Fiona moved into private practice where she gained much experience in the areas of neuro, trauma and vascular surgery. She gained her training in Dry Needling and also found an interest in Woman’s Health Physiotherapy. She has since gained much experience through post graduate courses.

Fiona has been working at Sunninghill Netcare Hospital’s vascular unit since 2011 and Morningside Medi Clinic’s Post Natal and Surgical units, with PhysioDynamix, since April 2012.


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Most long-term insurance care enrollees are eligible for little-known benefit – The Washington Post

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Most long-term insurance care enrollees are eligible for little-known benefit

Three-fifths of enrollees in the Federal Long Term Care Insurance Program who are facing steep premium increases will be eligible to invoke a little-known feature of the program that will allow them to stop paying premiums but still keep some coverage, the Office of Personnel Management has said.

The paid-up provision allows enrollees whose premium is increased beyond a certain percentage to stop paying premiums, with benefits then reduced. The triggering percentages vary according to the age at enrollment and take into account all increases since that time; FLTCIP rates also increased for many enrollees in early 2010.

The OPM announced last week that premiums will increase on average by 83 percent in November for all but about 10,000 of the 274,000 people in the program, which is open to active and retired federal employees and military personnel and certain family members.

Enrollees pay the entire premium, with no government contribution, for insurance that covers at-home, nursing home and other types of care for those who need help with activities of daily living such as bathing or dressing, or who have certain cognitive impairments.

Rates vary according to the age at enrollment and choices including daily benefit amounts, length of policy and inflation protection. The increases come with the award of a new seven-year contract with the provider, John Hancock Life and Health Insurance Co. and are based on projections that the current premiums would not cover future payouts.

Affected enrollees are being notified that during an “enrollee decision period” through September, they can accept the increase; reduce benefits to keep their premiums the same; choose a middle course; or, if eligible, elect a paid-up benefit (enrollees also can cancel their policies at any time, although they would lose eligibility for future benefits).

In response to a query, OPM said that about 60 percent of those facing a premium increase are being told in their notice letters that they are eligible for the paid-up benefit, formally known as a “contingent benefit upon lapse.”

“By choosing this option, the enrollee will keep their current daily benefit amount, but their maximum lifetime benefit will be reduced to total premiums paid through November 1, 2016, or 30 times the current daily benefit amount of the coverage, whichever is greater,” OPM said.

“By exercising the contingent benefit upon lapse, the enrollee could significantly reduce the benefits of their coverage, so it is important to give this option careful consideration before selecting it. We encourage the enrollee to discuss their options with a financial advisor on the potential implications of changing their long term care insurance coverage,” it said.

The paid-up option could prove to be attractive for some enrollees in the face of the increase, compared with their other choices.

“One of things we’re finding throughout this notification process is that people, in addition to being justifiably angry, really don’t understand what their options are. They are confused and unsure of what to do next,” Jessica Klement, legislative director of the National Active and Retired Federal Employees Association, said in an email.

“If the enrollee wants to cut and run, which may be the only viable financial option, there would still be money that can help pay for long term care costs in the enrollee’s maximum lifetime benefit account. Hopefully, those eligible individuals, and all of those affected, will take the time to call the program and have the option explained,” she said.

OPM also provided a fuller explanation for its decision to create what will be a two-level premium structure. Premiums are not increasing for those who newly enrolled after July 31, 2015, or who will enroll in the future. Premiums had increased for new enrolments after that date by 30 percent on average over the rates applying to those who had enrolled up to then.

However, those who enrolled before that date are now facing a much larger average increase starting in November, under last week’s announcement.

Said OPM: “The premium increase needed for the inforce (enrollee) population is significantly more than what is needed for new enrollees because the inforce population is starting from a significant deficit position, whereas new business starts from a clean slate with no deficit to make up for. The significant deficit for the inforce population is due to their having paid lower than necessary premiums for up to 14 years.”

“Even with the increase that current enrollees are facing, FLTCIP pricing remains competitive,” in the long-term care insurance market, it said.

In addition to those enrolling starting last August, the premium increases won’t apply to those who were age 79 or older when they enrolled, those who are under an alternative plan that covers only nursing home care, and those currently drawing benefits or awaiting a decision on a claim.


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Global Leaders Launch Council to Help End Malaria #end #malaria #council, #switzerland, #foreign #policy

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Global Leaders Launch Council to Help End Malaria

Bill Gates and Ray Chambers convene ‘End Malaria Council’ to drive attention and funding to wipe out the disease for good

DAVOS, Switzerland. Jan. 20, 2017 /PRNewswire/ — Bill Gates, co-chair of the Bill Melinda Gates Foundation, and Ray Chambers. the United Nations Secretary-General’s Special Envoy for Health in Agenda 2030 and for Malaria, today announced the launch of the End Malaria Council, a group of influential public and private sector leaders who aim to ensure malaria eradication remains a top global priority.

“The next chapter of the fight against malaria starts now,” said Gates, who co-authored a report with Chambers in 2015 called Aspiration to Action: What will it take to end malaria? “For the first time in history, we have a roadmap to a world without malaria – where no one has to die from a mosquito bite ever again. With renewed focus, innovation and new commitments of leadership and funding, we can be the generation to end malaria once and for all.”

The launch of the End Malaria Council comes just a month after the release of the World Health Organization’s 2016 World Malaria Report . which showed remarkable progress in reducing cases and deaths from malaria since 2000, but also underscored the urgent need for global leadership, new funding and innovation to stay on track to meet targets.

Members of the End Malaria Council will work in collaboration with the Roll Back Malaria Partnership and other key partners to help countries and regions achieve their malaria control and elimination goals. Members of this unique group will use their voices and networks to support the work already underway by malaria field workers, scientists and experts by focusing on three areas: building political will, mobilizing resources and supporting the development of new tools to find, prevent and treat malaria.

The Council has nine founding members, a group of whom met on the sidelines of the World Economic Forum Annual Meeting in Davos, Switzerland to discuss strategies for filling critical financing gaps in Africa. Asia and Latin America. The End Malaria Council will grow to represent all of the key malaria-endemic regions. Inaugural members include:

  • Bill Gates. Co-chair and Trustee, Bill Melinda Gates Foundation
  • Ray Chambers. UN Secretary-General’s Special Envoy for Health in Agenda 2030 and for Malaria
  • Peter Chernin. Founder, Chernin Entertainment and The Chernin Group
  • Aliko Dangote, President and Chief Executive, Dangote Group
  • H.E. Idriss Déby, President, Republic of Chad (representing the African Leaders Malaria Alliance)
  • H.E. Jakaya Kikwete. Former President, United Republic of Tanzania
  • Graça Machel, Founder, Foundation for Community Development, Mozambique
  • Luis Alberto Moreno. President, Inter-American Development Bank
  • H.E. Ellen Johnson Sirleaf. President, Republic of Liberia

Thanks to strong leadership, smart investments and the hard work of the public and private sectors, the world has cut malaria deaths in half since 2000, saving more than 6 million lives from the disease. Malaria-related deaths are at an all-time low, especially among children under five in sub-Saharan Africa. This can be largely attributed to the unprecedented delivery of more than 500 million insecticide-treated bed nets over the last three years, along with significant expansion of diagnosis and treatment.

But malaria preys on the rural poor and the young, still killing a child every two minutes. It stunts productivity, burdens families with health care costs, limits educational achievement and slows overall economic growth.

“We have reached a critical juncture in the malaria fight,” said Chambers. “To end this disease we need a creative approach to financing – one that combines continued support from donor countries with new approaches to expand commitments, particularly from countries affected by malaria.”

Ending malaria is within reach, but the next few years are critical. Success requires maintaining the progress to date, achieving control in endemic countries and accelerating to elimination where possible. Leaders in Africa and Asia have adopted ambitious elimination agendas for their regions, and countries are working hard to achieve the reductions in cases and deaths to meet the bold goals.

“Ending malaria was once an impossible dream,” said H.E. Jakaya Kikwete. former President of the United Republic of Tanzania. who lost a brother to malaria when he was a child and made malaria a key priority while in office. “It is now within our reach. It will take strong leadership and serious financial commitments, but I believe we can make history and end this brutal disease once and for all.”

SOURCE End Malaria Council

Global Leaders Launch Council to Help End Malaria


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Why it – s so important to buy long-term care insurance, PolicyGenius, why buy

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Why it s so important to buy long-term care insurance

Why buy long term care insurance

I first learned that long-term care insurance was a thing when my grandfather needed to be moved to a full time care facility. He’d lived on his own for years after my grandmother passed, but independence became impossible to sustain as he aged.

The long-term care (LTC) facilities my mom and her siblings looked into were more than $6,000 a month.

It’s estimated that about 68% of us turning age 65 will need some form of LTC during our lifetime. As Baby Boomers age, the number of elderly in need of long-term care is expected to double to 27 million by 2050. DON’T STOP READING this because you find that statistic depressing.

Yes, it’s unpleasant to think of a day that our parents might require help. It’s more unpleasant to imagine not being able to pay for the help they need.

Long-term care is not as scary as it sounds. Your parents can live many happy years with LTC at home (still telling you what to do with your life), at day centers, or in assisted living facilities.

THAT is why we have to talk to our parents about their LTC options now.

Long-term care is (1) expensive and (2) misunderstood:

1. According to a study by the insurer Genworth, the average cost of a semi-private room in an LTC nursing facility is $82,125 per year ($6,843 a month doesn’t even buy you a private room). The average cost for a home health aide is $46, 332 per year. (Go here to find the average costs in your state.)

2. LTC is NOT covered by health insurance or Medicare.

Health insurance, Medicare, and Medigap insurance (insurance which covers the co-pays and deductibles of Medicare) do not cover the largest part of long-term care. And long-term disability insurance (which in most instances you can’t get over age 65) covers lost wages, not medical bills.

If your parents (or you someday) find they need LTC–which can include physical therapy, skilled nursing care, assistance bathing, eating, taking medications, etc.–they will either need to:

have few assets so that they qualify for Medicaid;

have many assets so they can pay for their own long-term care out of pocket;

have long-term care insurance (LTCI); or

none of the above, and it will fall on their children to pay for their care.

I have several friends who are financially responsible for at least one parent’s long-term care. For all of them, it has been difficult. For some of them, it has been financially devastating, because in Los Angeles LTC nursing facilities can cost upwards of $10,000 a month.

As it turned out, my grandmother had taken out an LTC policy for her and my grandfather. My mom didn’t even know what long-term care insurance was until she found out that her mom had a policy that would cover most of the costs of my grandfather’s care.

Here are some facts about long-term care insurance:

What is long-term care insurance?

LTC insurance policies vary but most reimburse the holder up to a daily maximum amount (the average in 2007 was $160 per day, or about $4,800 each month) for home health care–skilled nursing, personal care and custodial care (supervision)–or care in a nursing facility, Alzheimer’s facility, adult day care facility, or assisted living facility. They also cover hospice (as does Medicare when life expectancy is short) and respite care.

Respite care is huge if you are a caregiver. It provides temporary relief of your caregiving duties, usually via a short stay for your loved one in a nursing facility, so that you can get a break.

When should you or a parent purchase an LTC policy?

The average age of people buying personal policies is 60 and the average age of people buying policies through work is 50.

The younger you are, the less expensive the premium, but obviously you’ll likely be paying it over a longer period of time.

Who qualifies for LTC insurance?

Like the majority of life insurance policies, most LTC policies require medical underwriting. In other words, you have to prove that you are in relatively good health.

Pre-existing conditions or an existing need for long-term care might disqualify you or raise your premiums.

How much does LTC insurance cost? Is it worth the cost?

Long-term care insurance is not cheap–in 2007 the average was $2,207 annually. The premiums are based on your age, the coverage and benefits you choose, and the policy’s limits.

According to this Forbes article, LTCI policies pay less on the dollar than life insurance, especially for men. In fact, financial experts disagree on whether LTCI policies are the best use of your money. The answer depends on your financial situation:

Would you qualify for Medicaid (in most states your income must be under $3,000 monthly)?

Do you have enough assets to cover long-term care costs out of pocket?

Do you mind using up those assets or would you prefer to leave them for your children?

Or, do you have enough money to use some assets for your care and still leave something to your kids? (If so, you should really be blogging about how you made that happen.)

What do Medicare and Medicaid cover?

Briefly, Medicare covers short-term recoveries. For example, it covers 100 days in a skilled nursing facility following a related hospital stay, but only the first 20 days are covered fully.

It covers activities of daily living (ADLs) like bathing and dressing, but only in conjunction with medically necessary care.

And it covers medically necessary durable medical equipment such as wheelchairs and hospital beds, but patients are usually responsible for 20% of the cost.

I can tell you from experience, Medicare is very specific about what equipment they will allow. They covered a wheelchair for my father who has mobility issues due to an illness, but Medicare won’t cover an electric scooter for him. Their reason for denying the claim is that my dad retains the ability to push his own wheelchair with his arms…so, never mind that he can’t use his legs.

Medicare also covers hospice care (end of life care) when life expectancy is under six months.

Medicaid programs vary by state; however, if you qualify, it usually covers long-term medical care in a nursing facility or at home but it does not cover custodial care.

Here’s a comparison of what is covered by Medicare, Medigap and private insurance.

What do I need to know when selecting an LTC policy aside from what benefits are covered?

Make sure you know the policy’s limits – both the maximum daily amount the policy will cover and how many years the policy will last.

LTC policies often have time deductibles (usually 90 days). That means the policy won’t start to cover your costs until you have needed the care beyond a certain number of days (e.g. you’ll start to be reimbursed on the 91st day of your stay in a nursing care facility).

With some LTC policies, premiums can increase over time, so be sure you ask about this possibility before you commit to a policy.

Where can I buy LTC insurance?

If you have a trusted financial advisor or insurance broker, start there. If you are a member of USAA (for military veterans and families), my parents are happy with the LTCI provider they found through them.

Otherwise, you can try LTC Consumer, which PolicyGenius has partnered with because of their unbiased advice and great customer support. Their free LTCI quote tool will give you a good idea of what you can expect.

There are a whole lot us who make too much to qualify for Medicaid but who don’t make enough to cover long-term care. If you look at some of the statistics –like the average cost of an LTC nursing facility being over $6,500 per month–and consider that most of that cost is not covered by Medicare or other health insurance, I believe there is a very compelling argument that most of us should consider long-term care insurance.

My grandmother was still caring for her husband and giving her kids financial freedom long after she was gone from this world. The long-term care policy she took out was a big gift to her family.

My parents are determined to give the same gift to my sisters and me. My husband and I will give the same gift to our kids.

And then hope that none of us ever needs to use it.

Julie is a producer of blogs, films and children in Los Angeles.

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